Blooom

Blooom analyzes 401(k) accounts for hidden fees and misalignment with your retirement goals, then recommends portfolio adjustments at a flat $10 monthly subscription. The service focuses specifically on employer retirement plans, helping participants avoid the drag of high-fee investments that can significantly reduce long-term savings.

This tool fits retirees and pre-retirees who have accumulated employer plans but lack the expertise to evaluate whether their accounts are optimally structured. Unlike financial advisors charging percentages of assets under management, Blooom's predictable fee means low-balance accounts aren't neglected.